Microfinance Through Self Help Group Shg Bank Linkage Programme An Impact Assessment
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Microfinance Through Self Help Group Shg Bank Linkage Programme An Impact Assessment
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Author : Veenapani
language : en
Publisher: Archers & Elevators Publishing House
Release Date :
Microfinance Through Self Help Group Shg Bank Linkage Programme An Impact Assessment written by Veenapani and has been published by Archers & Elevators Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on with Antiques & Collectibles categories.
The Microfinance Impact
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Author : Ranjula Bali Swain
language : en
Publisher: Routledge
Release Date : 2013-08-15
The Microfinance Impact written by Ranjula Bali Swain and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-15 with Business & Economics categories.
Financial inclusion through microfinance has become a powerful force in improving the living conditions of poor farmers, rural non-farm enterprises and other vulnerable groups. In its unique ability to link the existing extensive network of India’s rural bank branches with the Self Help Groups (SHG), the National Bank of Agriculture and Rural Development (NABARD) has covered up to 97 million poor households by March 2010 under its Self Help Group Bank Linkage Programme. Policy-makers have proclaimed SHGs as ‘‘the most potent initiative ... for delivering financial services to the poor in a sustainable manner." This book presents a comprehensive scientific assessment of the impact of the Self Help Group Bank Linkage Programme (SBLP) on the member households. The book discusses wide-ranging topics, including the rural financial sector in India, the history and structure of the SBLP, the impact methodologies, the economic and social impact of microfinance, its role in building assets while reducing poverty and vulnerability, the role of women and their empowerment, training and accumulation of human capital and policy implications of lessons learned. The empirical results show that vulnerability of the more mature SHG members declines significantly. Vulnerability also falls for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks. The results strongly demonstrate that on average, there is a significant increase in the empowerment of the female participants. The economic impact of SBLP is found to be the most empowering. Greater autonomy and changes in social attitudes also lead to female empowerment. The investigation further reveals that training (especially business training) has a definite positive impact on assets but not on income. The impact of training can be improved through better infrastructure (as in paved roads), linkage model type, and the training organiser. Bridging the gap in the existing literature and between academics and practitioners, this book moves beyond the usual theoretical issues in the impact assessment literature and draws on new developments in methodology. It will be of interest to academics, development practitioners and students of economics, political science, sociology, public policy and development studies.
Microfinance Through Women Self Help Groups Shgs For Grass Root Level Empowerment An Empirical Study Of Varanasi Uttar Pradesh India
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Author : Tripti Kumari
language : en
Publisher: kassel university press GmbH
Release Date : 2016
Microfinance Through Women Self Help Groups Shgs For Grass Root Level Empowerment An Empirical Study Of Varanasi Uttar Pradesh India written by Tripti Kumari and has been published by kassel university press GmbH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Microfinance, as a concept, involves providing financial services, particularly small credit, fund transfer, and insurance to the unemployed, low-income group, and those who do not have easy access to the banking system. It has emerged as an active agent of financial inclusion, ensuring economic, and social upliftment of the unprivileged. Microfinance is being operated through two channels Self-help Group-Bank Linkage Programme (SBLP) and Micro-finance Institutions (MFIs). The special characteristic of SBLP is its direct connection with the clients at the grass-root level and working towards poverty reduction by providing financial support. The paper is based on a field study on SBLP undertaken for women in the Varanasi District of Uttar Pradesh, India. The increase in women’s participation in economic activities and decision-making reveals that SHGs have made an impact. SHGs have also helped them to create a common platform to participate, discuss, and find a solution of their problems. Women’s income and occupation structure under SHGs have also influenced the standard of living and empowerment level significantly.
Micro Financing Of Rural Women Through Self Help Groups
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Author : K. Kanniammal
language : en
Publisher:
Release Date : 2015
Micro Financing Of Rural Women Through Self Help Groups written by K. Kanniammal and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Education categories.
Self Help Groups And Rural Development
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Author : S. Bose
language : en
Publisher: MJP Publisher
Release Date : 2019-06-07
Self Help Groups And Rural Development written by S. Bose and has been published by MJP Publisher this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-06-07 with Self-Help categories.
Introduction SHGs and Development: The Scenario SHGs and Micro credit and Micro finance Global Analysis of Self-Help Groups Detailed Analysis of SHG in Tamilnadu Self-Help Group and its Members Role of SHGs in Social Transformation Summary of Major Analysis Promotion of Self-Help Groups Bibliography Index
Microfinance
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Author : Soumitra Sarkar
language : en
Publisher: Readworthy
Release Date : 2011
Microfinance written by Soumitra Sarkar and has been published by Readworthy this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Political Science categories.
Microfinance is a useful tool for reducing poverty and building the capacity of the poor in management of sustainable self-employment, by way of providing financial services like credit, saving, housing consumption credit, insurance cover, etc. This book takes a holistic view of the various aspects of the microfinance programmes as adopted under Swarnajayanti Gram Swarozgar Yojana (SGSY) in India, with special reference to the state of West Bengal. Critically examining how SGSY operates in relation to funding the programme, bank linkage system, training and capacity building of beneficiaries, thrift, credit and governance systems of SHGs, marketing of SHG products, role of bankers and NGOs, and the perceptions of the beneficiaries. It also analyses the impact of the SGSY programmes on the socio-economic empowerment of SHG members.
Sustainability Of Microfinance Self Help Groups In India
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Author : Ajai Nair
language : en
Publisher: World Bank Publications
Release Date : 2005
Sustainability Of Microfinance Self Help Groups In India written by Ajai Nair and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Microfinance categories.
The major form of microfinance in India is that based on women's Self Help Groups (SHGs), which are small groups of 10--20 members. These groups collect savings from their members and provide loans to them. However, unlike most accumulating savings and credit associations (ASCAs) found in several countries, these groups also obtain loans from banks and on-lend them to their members. By 2003, over 700,000 groups had obtained over Rs.20 billion (US$425 million) in loans from banks benefiting more than 10 million people. Delinquencies on these loans are reported to be less than 5 percent. Savings in these groups is estimated to be at least Rs.8 billion (US$170 million). Despite these considerable achievements, sustainability of the SHGs has been suspect because several essential services required by the SHGs are provided free or at a significantly subsidized cost by organizations that have developed these groups. A few promoter organizations have, however, developed federations of SHGs that provide these services and others that SHG members need, but which SHGs cannot feasibly provide. Using a case study approach, Nair explores the merits and constraints of federating. Three SHG federations that provide a wide range of services are studied. The findings suggest that federations could help SHGs become institutionally and financially sustainable because they provide the economies of scale that reduce transaction costs and make the provision of these services viable. But their sustainability is constrained by several factors--both internal, related to the federations themselves, and external, related to the other stakeholders. The author concludes by recommending some actions to address these constraints. This paper--a product of the Finance and Private Sector Development Unit, South Asia Region--is part of a larger effort in the region to study access to finance in India.
Microfinance Challenges
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Author : Isabelle Guérin
language : en
Publisher:
Release Date : 2005
Microfinance Challenges written by Isabelle Guérin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Microfinance categories.
Contributed papers presented earlier in a conference.
Assessing Micro Realities With Macro Policy
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Author : Alok Misra
language : en
Publisher:
Release Date : 2008
Assessing Micro Realities With Macro Policy written by Alok Misra and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with India categories.
Micro Financing Through Women Self Help Groups And Its Socio Economic Impact A Case Study Of Konkan Region Of Maharastra
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Author : M. A. Lokhande
language : en
Publisher:
Release Date : 2016
Micro Financing Through Women Self Help Groups And Its Socio Economic Impact A Case Study Of Konkan Region Of Maharastra written by M. A. Lokhande and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Micro finance programmes have been receiving a considerable attention world over for their potential to generate income and employment and alleviate poverty. The experience shows that the micro finance programme has a high degree of out reach to women i.e. 82.67 per cent of the aggregate clients in India in 2010, 73 per cent in Latin America, 70 percent in Africa and 88 percent in Asia. In India, National Bank for Agriculture and Rural Development (NABARD) sponsored SHG-Bank linkage programme is the fastly growing micro finance programme in the world covering 97 million poor households as on 31st March, 2011.The research paper was focused to find out whether micro finance really contributed to the socioeconomic empowerment of group members? To what extent, micro financing through women groups benefited the members? Out of 350 Women groups promoted by Sadbhav Foundation (33 groups), Raigarh district, Manav Sadhan Vikas (25 groups), Kudal, Sindhudurga district and Matru Mandir (19 groups), Ratnagiri district (Maharashtra state, India) 77 (22 percent) were selected. Two members from each group (i.e.154 members) were selected deliberately. After joining the groups, the monthly average income and savings of the respondents had shown increase by 133.73 percent and 76.27 percent respectively. The confidence level of the respondents had increased to a great extent. They had reported active participation in socioeconomic activities. Overall personality index had shown growth of 59.01 percent. It was inferred that micro financing through women self help groups had brought a positive change in the lives of the members. The study concluded that poor, discriminated and underprivileged women if join the groups, can come out of poverty.
